Erie Insurance is a regional property-and-casualty insurer founded in 1925 and headquartered in Erie, Pennsylvania. It sells auto, home, life, and business coverage exclusively through a network of independent agents across a group of Mid-Atlantic, Midwestern, and Southeastern states plus Washington, D.C. The company is best known for its local-agent distribution model and rate-stability features rather than direct online sales.
Founded
1925
Headquarters
Erie, PA
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
838
NAIC complaint index
0.61
Erie Insurance carries an A.M. Best financial-strength rating of A+. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
Erie Insurance has a NAIC Complaint Index of about 0.61, where 1.00 is the market average. A value below 1.00 means fewer complaints than expected for its market share. Complaint indexes vary by state and year — verify at content.naic.org.
You can request a quote or reach Erie Insurance at erieinsurance.com or by phone at 800-458-0811. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed 2026-06-14
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